Home > Whitney National Bank > Performance and Condition Ratios
Whitney National Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3525% | 5,841 |
| Cost of funding earning assets | 0.3773% | 7,273 |
| Net interest margin | 3.9752% | 2,796 |
| Noninterest income to average assets | 0.9270% | 1,557 |
| Noninterest expense to average assets | 3.5317% | 1,926 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6516% | 3,745 |
| Return on assets (ROA) | 0.6516% | 3,819 |
| Pretax return on assets | 0.8371% | 3,754 |
| Return on Equity (ROE) | 5.0805% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.0805% | 3,134 |
| Net charge-offs to loans | 0.1447% | 3,626 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 9.2893% | 1,735 |
| Efficiency ratio | 80.0934% | 2,514 |
| Assets per employee ($millions) | 4.3394% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0310% | 893 |
| Loan loss allowance to noncurrent loans | 88.7036% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 2.7820% | 2,476 |
| Noncurrent loans to loans | 3.4170% | 2,198 |
| Net loans and leases to total assets | 59.6423% | 4,338 |
| Net loans and leases to deposits | 74.5312% | 3,678 |
| Net loans and leases to core deposits | 80.5762% | 3,659 |
| Total domestic deposits to total assets | 78.0489% | 6,373 |
| Equity capital to assets | 13.0803% | 1,349 |
| Core capital (leverage) ratio | 8.6477% | 5,175 |
| Tier 1 risk-based capital ratio | 11.3032% | 6,255 |
| Total risk-based capital ratio | 14.3488% | 4,726 |
| Memoranda: | ||
| Average total assets | $11,629,125,000 | 95 |
| Average earning assets | $10,068,729,000 | 97 |
| Average equity | $1,491,505,000 | 89 |
| Average total loans | $7,244,581,500 | 94 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6655% | 5,909 |
| Cost of funding earning assets | 0.5133% | 7,281 |
| Net interest margin | 4.1522% | 2,359 |
| Noninterest income to average assets | 0.8402% | 2,099 |
| Noninterest expense to average assets | 3.7138% | 1,673 |
| Loan and lease loss provision to assets | 2.7130% | 386 |
| Net operating income to assets | -1.1641% | 6,771 |
| Return on assets (ROA) | -1.1641% | 6,791 |
| Pretax return on assets | -1.9665% | 7,013 |
| Return on Equity (ROE) | -9.2806% | 6,697 |
| Retained earnings to average equity (ytd only) | -9.2806% | 6,620 |
| Net charge-offs to loans | 4.0553% | 309 |
| Credit loss provision to net charge-offs | 97.8447% | 4,740 |
| Earnings coverage of net charge-offs (x) | 0.2692% | 5,840 |
| Efficiency ratio | 82.2623% | 2,130 |
| Assets per employee ($millions) | 4.4089% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9152% | 938 |
| Loan loss allowance to noncurrent loans | 69.3452% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 3.3957% | 2,061 |
| Noncurrent loans to loans | 4.2039% | 1,722 |
| Net loans and leases to total assets | 61.2283% | 4,450 |
| Net loans and leases to deposits | 76.6836% | 3,738 |
| Net loans and leases to core deposits | 82.6124% | 3,805 |
| Total domestic deposits to total assets | 78.2485% | 6,267 |
| Equity capital to assets | 12.5774% | 1,587 |
| Core capital (leverage) ratio | 8.2107% | 5,806 |
| Tier 1 risk-based capital ratio | 10.3695% | 6,782 |
| Total risk-based capital ratio | 13.3291% | 5,383 |
| Memoranda: | ||
| Average total assets | $11,624,504,000 | 92 |
| Average earning assets | $10,134,819,200 | 95 |
| Average equity | $1,458,086,400 | 87 |
| Average total loans | $7,948,120,400 | 90 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7032% | 6,007 |
| Cost of funding earning assets | 0.5277% | 7,405 |
| Net interest margin | 4.1755% | 2,315 |
| Noninterest income to average assets | 0.9147% | 1,743 |
| Noninterest expense to average assets | 3.6857% | 1,597 |
| Loan and lease loss provision to assets | 1.9147% | 636 |
| Net operating income to assets | -0.5848% | 6,654 |
| Return on assets (ROA) | -0.5848% | 6,703 |
| Pretax return on assets | -1.0410% | 6,881 |
| Return on Equity (ROE) | -4.6659% | 6,624 |
| Retained earnings to average equity (ytd only) | -4.6659% | 6,529 |
| Net charge-offs to loans | 2.7550% | 589 |
| Credit loss provision to net charge-offs | 99.6765% | 4,380 |
| Earnings coverage of net charge-offs (x) | 0.4548% | 5,569 |
| Efficiency ratio | 79.8008% | 2,368 |
| Assets per employee ($millions) | 4.3296% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8665% | 939 |
| Loan loss allowance to noncurrent loans | 48.9140% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 4.7625% | 1,382 |
| Noncurrent loans to loans | 5.8602% | 1,094 |
| Net loans and leases to total assets | 65.7122% | 3,752 |
| Net loans and leases to deposits | 85.2196% | 2,483 |
| Net loans and leases to core deposits | 92.5992% | 2,711 |
| Total domestic deposits to total assets | 75.3489% | 6,763 |
| Equity capital to assets | 12.6034% | 1,809 |
| Core capital (leverage) ratio | 8.2656% | 5,936 |
| Tier 1 risk-based capital ratio | 10.1170% | 7,001 |
| Total risk-based capital ratio | 13.0515% | 5,617 |
| Memoranda: | ||
| Average total assets | $11,585,465,000 | 91 |
| Average earning assets | $10,112,768,750 | 93 |
| Average equity | $1,452,181,750 | 86 |
| Average total loans | $8,077,727,250 | 87 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7197% | 6,078 |
| Cost of funding earning assets | 0.5366% | 7,496 |
| Net interest margin | 4.1831% | 2,209 |
| Noninterest income to average assets | 0.9389% | 1,548 |
| Noninterest expense to average assets | 3.6457% | 1,671 |
| Loan and lease loss provision to assets | 1.6635% | 770 |
| Net operating income to assets | -0.3892% | 6,556 |
| Return on assets (ROA) | -0.3892% | 6,596 |
| Pretax return on assets | -0.7113% | 6,727 |
| Return on Equity (ROE) | -3.1107% | 6,529 |
| Retained earnings to average equity (ytd only) | -3.1107% | 6,317 |
| Net charge-offs to loans | 2.2107% | 808 |
| Credit loss provision to net charge-offs | 106.8738% | 3,821 |
| Earnings coverage of net charge-offs (x) | 0.6117% | 5,133 |
| Efficiency ratio | 78.2308% | 2,689 |
| Assets per employee ($millions) | 4.2810% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8704% | 939 |
| Loan loss allowance to noncurrent loans | 49.7573% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 4.8524% | 1,340 |
| Noncurrent loans to loans | 5.7689% | 1,127 |
| Net loans and leases to total assets | 68.1934% | 3,316 |
| Net loans and leases to deposits | 88.1310% | 2,152 |
| Net loans and leases to core deposits | 95.9901% | 2,438 |
| Total domestic deposits to total assets | 75.8257% | 6,724 |
| Equity capital to assets | 12.7557% | 1,669 |
| Core capital (leverage) ratio | 8.3723% | 5,625 |
| Tier 1 risk-based capital ratio | 10.0344% | 7,002 |
| Total risk-based capital ratio | 12.9407% | 5,555 |
| Memoranda: | ||
| Average total assets | $11,614,134,000 | 90 |
| Average earning assets | $10,158,966,670 | 93 |
| Average equity | $1,453,133,000 | 82 |
| Average total loans | $8,177,123,330 | 86 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7036% | 6,230 |
| Cost of funding earning assets | 0.5505% | 7,601 |
| Net interest margin | 4.1531% | 2,213 |
| Noninterest income to average assets | 0.8760% | 1,716 |
| Noninterest expense to average assets | 3.6130% | 1,706 |
| Loan and lease loss provision to assets | 1.2729% | 955 |
| Net operating income to assets | -0.1811% | 6,523 |
| Return on assets (ROA) | -0.1811% | 6,594 |
| Pretax return on assets | -0.3707% | 6,701 |
| Return on Equity (ROE) | -1.4614% | 6,572 |
| Retained earnings to average equity (ytd only) | -1.4614% | 6,115 |
| Net charge-offs to loans | 1.7949% | 966 |
| Credit loss provision to net charge-offs | 100.5906% | 3,370 |
| Earnings coverage of net charge-offs (x) | 0.7130% | 4,392 |
| Efficiency ratio | 78.8887% | 2,742 |
| Assets per employee ($millions) | 4.3790% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7648% | 1,023 |
| Loan loss allowance to noncurrent loans | 49.2774% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 4.4514% | 1,527 |
| Noncurrent loans to loans | 5.6107% | 1,231 |
| Net loans and leases to total assets | 68.0436% | 3,377 |
| Net loans and leases to deposits | 87.7817% | 2,260 |
| Net loans and leases to core deposits | 95.5931% | 2,629 |
| Total domestic deposits to total assets | 76.1407% | 6,733 |
| Equity capital to assets | 12.5588% | 1,722 |
| Core capital (leverage) ratio | 8.5089% | 5,357 |
| Tier 1 risk-based capital ratio | 10.2551% | 6,838 |
| Total risk-based capital ratio | 13.1447% | 5,253 |
| Memoranda: | ||
| Average total assets | $11,721,069,500 | 88 |
| Average earning assets | $10,270,848,500 | 92 |
| Average equity | $1,452,610,500 | 80 |
| Average total loans | $8,263,696,000 | 85 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 6,699 |
| Cost of funding earning assets | 0.7112% | 7,670 |
| Net interest margin | 4.1952% | 2,079 |
| Noninterest income to average assets | 0.9110% | 1,904 |
| Noninterest expense to average assets | 3.3737% | 2,764 |
| Loan and lease loss provision to assets | 2.1518% | 973 |
| Net operating income to assets | -0.4982% | 6,176 |
| Return on assets (ROA) | -0.4964% | 6,170 |
| Pretax return on assets | -0.9039% | 6,344 |
| Return on Equity (ROE) | -4.0308% | 6,115 |
| Retained earnings to average equity (ytd only) | -4.0308% | 5,869 |
| Net charge-offs to loans | 2.2226% | 1,067 |
| Credit loss provision to net charge-offs | 132.0768% | 3,799 |
| Earnings coverage of net charge-offs (x) | 0.7642% | 5,340 |
| Efficiency ratio | 71.4580% | 4,359 |
| Assets per employee ($millions) | 4.4634% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6503% | 1,071 |
| Loan loss allowance to noncurrent loans | 51.1471% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 4.1199% | 1,591 |
| Noncurrent loans to loans | 5.1818% | 1,285 |
| Net loans and leases to total assets | 69.1317% | 3,451 |
| Net loans and leases to deposits | 89.7098% | 2,260 |
| Net loans and leases to core deposits | 102.5044% | 3,744 |
| Total domestic deposits to total assets | 75.7889% | 6,722 |
| Equity capital to assets | 12.2318% | 1,892 |
| Core capital (leverage) ratio | 8.8964% | 4,594 |
| Tier 1 risk-based capital ratio | 10.4776% | 6,414 |
| Total risk-based capital ratio | 13.3124% | 4,852 |
| Memoranda: | ||
| Average total assets | $11,971,641,600 | 88 |
| Average earning assets | $10,580,525,800 | 90 |
| Average equity | $1,474,315,600 | 79 |
| Average total loans | $8,775,282,200 | 81 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9264% | 6,822 |
| Cost of funding earning assets | 0.7530% | 7,756 |
| Net interest margin | 4.1734% | 2,141 |
| Noninterest income to average assets | 0.9270% | 1,873 |
| Noninterest expense to average assets | 3.3838% | 2,626 |
| Loan and lease loss provision to assets | 2.4231% | 696 |
| Net operating income to assets | -0.6763% | 6,582 |
| Return on assets (ROA) | -0.6749% | 6,592 |
| Pretax return on assets | -1.1827% | 6,806 |
| Return on Equity (ROE) | -5.4711% | 6,500 |
| Retained earnings to average equity (ytd only) | -5.4711% | 6,312 |
| Net charge-offs to loans | 2.1143% | 918 |
| Credit loss provision to net charge-offs | 155.1502% | 3,082 |
| Earnings coverage of net charge-offs (x) | 0.7928% | 5,258 |
| Efficiency ratio | 71.5190% | 4,325 |
| Assets per employee ($millions) | 4.3724% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8062% | 785 |
| Loan loss allowance to noncurrent loans | 56.7078% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 4.0359% | 1,578 |
| Noncurrent loans to loans | 4.9485% | 1,352 |
| Net loans and leases to total assets | 70.9345% | 3,285 |
| Net loans and leases to deposits | 92.9660% | 2,068 |
| Net loans and leases to core deposits | 108.3563% | 3,428 |
| Total domestic deposits to total assets | 74.8280% | 6,805 |
| Equity capital to assets | 12.4557% | 1,982 |
| Core capital (leverage) ratio | 8.7267% | 5,083 |
| Tier 1 risk-based capital ratio | 10.2420% | 6,740 |
| Total risk-based capital ratio | 13.0639% | 5,084 |
| Memoranda: | ||
| Average total assets | $11,995,284,750 | 93 |
| Average earning assets | $10,620,622,250 | 96 |
| Average equity | $1,479,698,750 | 82 |
| Average total loans | $8,860,515,000 | 84 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9127% | 7,003 |
| Cost of funding earning assets | 0.7701% | 7,855 |
| Net interest margin | 4.1425% | 2,187 |
| Noninterest income to average assets | 0.9231% | 1,878 |
| Noninterest expense to average assets | 3.3621% | 2,746 |
| Loan and lease loss provision to assets | 2.2621% | 708 |
| Net operating income to assets | -0.5194% | 6,566 |
| Return on assets (ROA) | -0.5194% | 6,576 |
| Pretax return on assets | -1.0280% | 6,833 |
| Return on Equity (ROE) | -4.2238% | 6,508 |
| Retained earnings to average equity (ytd only) | -4.2238% | 6,173 |
| Net charge-offs to loans | 1.7513% | 1,086 |
| Credit loss provision to net charge-offs | 174.2027% | 2,637 |
| Earnings coverage of net charge-offs (x) | 0.9503% | 4,818 |
| Efficiency ratio | 71.4106% | 4,525 |
| Assets per employee ($millions) | 4.4916% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4764% | 925 |
| Loan loss allowance to noncurrent loans | 50.6393% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 3.9827% | 1,495 |
| Noncurrent loans to loans | 4.8902% | 1,276 |
| Net loans and leases to total assets | 72.2137% | 3,159 |
| Net loans and leases to deposits | 94.4366% | 2,021 |
| Net loans and leases to core deposits | 112.7560% | 3,050 |
| Total domestic deposits to total assets | 74.1483% | 6,933 |
| Equity capital to assets | 12.2811% | 2,039 |
| Core capital (leverage) ratio | 8.9189% | 4,761 |
| Tier 1 risk-based capital ratio | 10.4550% | 6,422 |
| Total risk-based capital ratio | 13.2226% | 4,862 |
| Memoranda: | ||
| Average total assets | $12,112,512,670 | 97 |
| Average earning assets | $10,739,725,330 | 100 |
| Average equity | $1,489,499,670 | 84 |
| Average total loans | $8,981,422,330 | 88 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 7,149 |
| Cost of funding earning assets | 0.7796% | 7,931 |
| Net interest margin | 4.1316% | 2,159 |
| Noninterest income to average assets | 0.9373% | 1,703 |
| Noninterest expense to average assets | 3.1408% | 3,227 |
| Loan and lease loss provision to assets | 2.1332% | 555 |
| Net operating income to assets | -0.3535% | 6,741 |
| Return on assets (ROA) | -0.3535% | 6,819 |
| Pretax return on assets | -0.6693% | 6,950 |
| Return on Equity (ROE) | -2.8724% | 6,761 |
| Retained earnings to average equity (ytd only) | -2.8724% | 6,253 |
| Net charge-offs to loans | 1.4123% | 1,009 |
| Credit loss provision to net charge-offs | 203.5703% | 2,185 |
| Earnings coverage of net charge-offs (x) | 1.3970% | 4,037 |
| Efficiency ratio | 66.3633% | 5,254 |
| Assets per employee ($millions) | 4.6061% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1588% | 1,128 |
| Loan loss allowance to noncurrent loans | 48.9947% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 3.6178% | 1,466 |
| Noncurrent loans to loans | 4.4062% | 1,323 |
| Net loans and leases to total assets | 73.2385% | 2,952 |
| Net loans and leases to deposits | 95.4270% | 2,049 |
| Net loans and leases to core deposits | 115.5388% | 2,845 |
| Total domestic deposits to total assets | 74.1447% | 6,862 |
| Equity capital to assets | 12.4836% | 1,984 |
| Core capital (leverage) ratio | 9.1500% | 4,482 |
| Tier 1 risk-based capital ratio | 10.5613% | 6,328 |
| Total risk-based capital ratio | 13.2994% | 4,814 |
| Memoranda: | ||
| Average total assets | $12,188,194,000 | 102 |
| Average earning assets | $10,818,950,500 | 100 |
| Average equity | $1,499,766,500 | 86 |
| Average total loans | $9,043,671,000 | 89 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7236% | 6,699 |
| Cost of funding earning assets | 1.2127% | 7,929 |
| Net interest margin | 4.5108% | 1,395 |
| Noninterest income to average assets | 0.9432% | 1,801 |
| Noninterest expense to average assets | 3.1015% | 3,688 |
| Loan and lease loss provision to assets | 1.1954% | 1,207 |
| Net operating income to assets | 0.5187% | 4,653 |
| Return on assets (ROA) | 0.5191% | 4,503 |
| Pretax return on assets | 0.6897% | 4,432 |
| Return on Equity (ROE) | 4.8574% | 4,447 |
| Retained earnings to average equity (ytd only) | -4.6057% | 6,438 |
| Net charge-offs to loans | 0.8752% | 1,423 |
| Credit loss provision to net charge-offs | 189.1461% | 2,615 |
| Earnings coverage of net charge-offs (x) | 2.9818% | 4,598 |
| Efficiency ratio | 60.8135% | 6,197 |
| Assets per employee ($millions) | 4.6410% | 2,417 |
| Cash dividends to net income (ytd only)* | 194.8197% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 1,707 |
| Loan loss allowance to noncurrent loans | 50.8436% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 2.7828% | 1,687 |
| Noncurrent loans to loans | 3.4797% | 1,454 |
| Net loans and leases to total assets | 72.2636% | 3,526 |
| Net loans and leases to deposits | 96.4464% | 2,379 |
| Net loans and leases to core deposits | 117.3767% | 2,962 |
| Total domestic deposits to total assets | 71.7188% | 7,050 |
| Equity capital to assets | 12.1318% | 2,206 |
| Core capital (leverage) ratio | 9.5269% | 3,978 |
| Tier 1 risk-based capital ratio | 10.3871% | 6,327 |
| Total risk-based capital ratio | 13.0841% | 4,858 |
| Memoranda: | ||
| Average total assets | $11,222,422,200 | 103 |
| Average earning assets | $10,057,961,600 | 103 |
| Average equity | $1,199,393,200 | 98 |
| Average total loans | $8,103,440,800 | 99 |